Not all professions are the same. Each one requires a set of knowledge, competencies and skills to be able to carry it out properly. But each profession also has its risks.
Often, when we think of occupational risks, we think of occupations such as construction or industrial assembly, which may seem to have a higher occupational disability or accident rate. But this is not necessarily the case. In fact, there are specific insurances for occupations that apparently do not reverse risk.
Even in the healthcare field, professionals must have certain situations covered in order to avoid complications in the performance of their profession. For this reason, there are specific insurance with special protection for professionals in this sector, such as doctors and dentists. Because their work requires a great deal of precision, they must protect themselves against accidents or illnesses that could jeopardise their future careers.
Let's look at the three most common types of insurance protection for health professionals.
Hand insurance
This is an accident insurance with special coverage. The particularity of the hand insurance is that the insured person has a special compensation if he/she suffers a total or partial permanent disability due to an accident.
Our advice is to subscribe to what some companies call the “special health care scale”.”, If we suffer an accident and it affects our thumb, for example, which we use on a daily basis, it can represent a significant damage to our professional performance. The scale determines what compensation will be paid to the injured party, and being upgraded means you can be given 100% of the sum insured.. Accident insurances, if you suffer a partial injury (a specific part of your body) pay a % of the contracted capital. With the health insurance scale, we will be significantly improving this percentage.
This type of insurance is not only valid for hands, but for any part of the body. It is an important supplement that social security does not provide, nor does life insurance, which has other characteristics.
Life insurance
The life insurance is another of the most common policies for this type of professional.
When faced with an occupational disability, having cover to provide security is essential.
The essential difference with hand insurance is that with hand insurance we only cover accidents, while with life insurance we also cover the any incapacity resulting from illness (cancer, stroke, heart attack...).
Like the previous one, it is a highly recommendable way of covering our backs in the event of possible problems. Whether you are self-employed or an employed professional, a drop in your income means a significant loss.
To avoid having to worry about financial issues in addition to the illness or accident, the best thing to do is to have an insurance policy that provides full coverage, such as life insurance, which covers not only absolute disability, but also the so called “...".“total” o “professional”
Temporary sick leave insurance
The third type of insurance is the temporary sick leave insurance. Whether you are self-employed or an employee with a high income, this type of insurance is a good thing to have, as it allows us to cover those temporary situations of illness or accident that limit our professional performance. If the other two deal with permanent issues, this one covers us during temporary sick leave.
This insurance allows you to supplement your income if you are on sick leave, to avoid the loss of purchasing power for the duration of your sick leave.
You determine yourself when you take out the insurance policy what daily compensation you would like to receive if you are on sick leave.
As you can see, there are many ways to ensure that any unforeseen event can limit your performance as a professional.
PIB Group Iberia can advise you on which insurance is the most suitable for you, according to amounts, coverage and special rates. Contact us and we will help you choose the one that best suits you, with total security and confidence.
